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People try to cheat at 2 distinct times: 1) at the time that they apply for the insurance; & 2) when they have a claim.When people apply for insurance, in order to THINK that they will get a lower rate, they fail to tell the agent or company about tickets & accidents. PROBLEM, all companies ELECTRONICALLY pull your driving record and they are going to see everything, so when you leave it out, you are not getting accurate rates, you are getting PHONY rates, since your price is going to go up, as soon as they pull your driving record. Sometimes AFTER you have made your down payment, as it depends when the company pulls your record, so you can think that your rate is $600, for instance, but after pulling your driving record your rate jumps up to $790, or more, as an example.When people apply for insurance, the agent or company ALWAYS asks for the names, dates of birth and driver’s license number of ALL DRIVERS LIVING IN THE HOUSEHOLD. EVEN if your son &/or daughter has their own car, with their own insurance, if you left them out, and they borrowed your car just 1 time in 3 or 4 years, and they have an accident, you signed an application SWEARING that there are no other drivers, so the company WILL NOT pay the claim, they will deny the claim on the basis of FRAUD on your part. SOLUTION is to disclose all drivers, and if you don’t want to PAY for them, EXCLUDE them from your policy. Of course you will have to sign a form acknowledging their existence AND that you know that there will be NO COVERAGE should they drive one of your cars, so you won’t ever let them drive your cars. EVER! And the same holds true of a regular driver who doesn’t live in your house. DISCLOSE it or a claim where they are your driver WILL BE DENIED on the basis of FRAUD!Divorced parents or parent - grandparent. Non custodial parent buys a car for his/her child, and puts it on their policy but not the child. OR the grandparent buys the car for the grandchild puts it on their policy but not the grandchild. That works fine, right up until the kid has an accident and in the investigation it is determined that the kid has full time possession of the car meaning 2 things: 1) the garaging address has been wrong since that car was added to the policy; and 2) that a KNOWN driver was left off the policy. The claim WILL BE DENIED for FRAUD!Lastly, giving the company a different address for where the car is supposedly kept, than where it is really kept. Again, this works right up until you have a substantial accident and the company wants to know why the address where the car SUPPOSEDLY is kept, is 300 miles away from the accident. They talk to your supposed neighbors at the fake address and find out that your car nor you are ever there. They investigate further and talk to your boss, who gives them your REAL home address. They check with those neighbors and find that yes, indeed, they see you and/or your car every day. Your claim WILL BE DENIED based on FRAUD!People must think that claims adjusters are IDIOTS and believe everything that they are told. People have old damage and try to get it covered from a new claim. The old damage is nowhere near the spot on the car where the new accident’s damage is. The OLD damage will be denied. The only way it gets covered is if the new accident IS where the old damage was, assuming that the company doesn’t have a picture of the damage from when you applied for insurance.The A/C or Radio hasn’t worked in months or years. Now you get hit by another driver, and try to force the repair on them. Unless there is a great likelihood that the damage did in the A/C that is never going to happen, especially NOT the radio.Fake Injuries, where a lawyer has convinced you that you are hurt, so that you can collect a few bucks. 1) you will have to spend HOURS away from work, which could get you fired, or if you have to clock in/clock out you lose pay. And you will have to see their buddy the phony doctor for months, just to build up a case. Then the attorney settles for $1,500 BUT you don’t get $1,500. The doctor who was treating you gets $500, the attorney gets $500 for his fee, PLUS another $200 for his hard costs, like photocopies, mail (especially overnight mail), and long distance calls. That leave YOU with a mere $300. Was that worth putting up with seeing that doctor 3 or more times a week for fake treatments? I say FAKE because there was NOTHING wrong with you to begin with, so getting hot packs and/or cold packs, and either some form of electro-therapy or vibrating therapy 3 or more times a week for at least 2 months and probably 3 or 4 months. Was it really worth $300 or less?

There are advantages and disadvantages to a sawed-off shotgun, both on- and off-screen. To address your question details, their utilization in real life is nowhere near their prominence in cinema. Even so, they are far from unknown on the street. I'll try to split the pros and cons between reality and fiction:Real Life Advantages:Intimidation. If a criminal arrives on scene with a sawed-off shotgun, you immediately know you're probably not dealing with a two bit west end punk. It also means it's very unlikely to be a crime of opportunity - carrying one of these around means you planned ahead.Concealment. If your needs demand both the firepower of a shotgun and surreptitiousness, a sawed-off is for you. Baggy khakis and a fake limp are all you need to get this into any non-checkpointed public place, and drawing it would only be marginally more difficult than drawing a sword.Tactical Movement. In confined or interior environments, a shotgun's spread can assist in providing shot coverage in hallways, corridors, alleys, and other tight passages. A full length shotgun, though, will often be as long (or longer) than a hallway is wide, which will force the carrier to traverse at least a portion of the hallway carrying the firearm at the low ready. This will add significantly to his or her reaction time should the shotgun need to be fired. A sawed-off, on the other hand, will have the benefit of having a foot or so of both barrel and stock removed.Real Life Disadvantages:Availability. Just getting one of these (legally) is an utter pony show, involving tax-stamped permits, transfer costs, background checks (through the ATF no less), and exorbitant fees. Should you choose to bypass this, you'll have to 1) find someone with a piece like this, 2) hope they're willing to sell it, 3) wonder both why they've got it and why they're selling it, 4) pay what will assuredly be an inflated price for it, and 5) cross your fingers that it's functional - you're not going to get any test fires on a shotgun you buy out of some dude's trunk. Exceedingly difficult in either case.Excessive Shot Spread. If you saw the barrel off behind the choke, you're going to affect the shot pattern of the shotgun by spreading it out. This will increase coverage at the expense of lethality; even if you hit your intended victim, you're unlikely to get a kill shot, opening the possibility for escape or return fire. If you use large shot, you may miss altogether. Here's a comparison graph of shot sizes (remember, the larger the shot size, the fewer pieces of shot in a shotshell, and vice versa - this brings a tradeoff, as smaller shot will have more coverage with less kill chance, while larger shot will be less likely to hit but cause more damage if it does):Unwieldiness. Even though a sawed-off shotgun is far and away more portable than a full size shotgun or a rifle (either sniper or assault), it still bows down to the portability offered by a simple handgun. This applies to ammunition reloading as well - even if you're very well-practiced with a shotgun (i.e. able to reload very quickly, by touch alone, in low light), there is no comparison in reloading speed. With practice, dropping an empty 9mm magazine and slamming another one home is a two- to three-second process - you'd be lucky to get two shotshells loaded in the same amount of time. And unless you're planning on wearing torso-slung ammunition belts, pistol ammunition is exponentially easier to carry. A pair of cargo khakis engineered properly, or a coat well-apportioned with storage, could easily conceal hundreds of rounds in magazines.Turn Around Time in Firing. Most shotguns you'll find in this category are either single shot or pump action; either way, you're going to have some lengthy turn around times on putting ammunition downrange. Depending on a number of variables, the difference between a shotgun and a pistol here, not including reloading considerations, is probably three or four to one.Fictional Advantages:Visual Impact. A character just gets an injection of awesome sauce when he strides into a shot carrying a sawed off shotgun. This is especially true in Westerns, where their use is often portrayed in the course of stagecoach defense (or, on the other side of the law, the making of mayhem):The tactical look of modern shotguns can also play into a plot point:Either way, I would imagine using a shotgun would provide some screenplay flexibility; even if a shot needs to pan out to a wide angle, you would still be able to tell that the character is armed - something you'd normally lose with a pistol.Opportunity for Audio-Visual Effects. The thumping boom of a shotgun translates well to cinema, and a foley artist can usually get away with embellishing this sound on film; this also applies to the ominous sound of a shell getting racked into the chamber of a pump action shotgun. Similarly, an on-screen shooting victim's reaction can be much more exaggerated compared to other weapons - they tend to double over in mid-air and careen backward after being hit with a shotgun blast.Fictional Disadvantages:Okay, I lied in my opening paragraph. There are none.

Compare car insurance quotes every 6 months. Insurance company rates can change daily, states change insurance laws, and violations can fall off your record. Try Insurify, a quote comparison site that provides carrier recommendations and discounts from over 100 companies.Switch providers. Some auto insurance companies will offer you a discount for leaving your current insurance provider and opening a similar policy with them instead. Not every insurance company offers this discount, so check with an agent before you make the switch. You could save you an average of 5% on your premium. Be aware that this discount may only last for a single policy term.Preferred payment. You will be eligible for a preferred payment discount if you make your auto insurance premium payments in a manner that your insurance company prefers. Whether this is paying quarterly instead of monthly or setting up automatic payments, you can save you an average of 5% on your premium.Install a tracking device. Many insurance companies, including Allstate and Progressive, have telematic tracking device programs that encourage you to analyze your driving habits and reward you with a discount as high as 20% on your premium just for installation.Paperless billing. Some car insurance companies will give you a discount if you opt out of paper policies and billing in favor of online account management. By going paperless, you could save as much as 10% on your auto insurance policyLower collision/comprehensive deductible. If your vehicle is unvaluable (less than $5,000) consider opting out of or lowering your collision and comprehensive coverage. If the cost of repairs would be more than the entire vehicle is worth, you probably don’t need this coverage.Check organizational partners. You may be able to receive a discount if you’re a member of an alumni association or other student group, a professional organization such as a vocational group or union, an auto club such as AAA, or a credit union that your insurance company partners with. You could save you up to 10% on your premium.Third party roadside assistance. Some auto insurance companies provide you with a discount if you purchase emergency roadside assistance from a company other than them, like AAA or Onstar. You could save you an average of 5% on your premium.Multi-car policy. You’ll become eligible for a multi-car discount if you insure more than one of your cars on the same policy. Separate policies for cars at the same home address is often more expensive. You can save an average of 15% on your premium.Resident student discount. If your child is leaving their car home to live on a college campus that is over 100 miles away, this discount could save you as much as 30% off your premium.Multi-policy. A multi-policy discount will be granted to you if you have more than one insurance policy with the same insurance company. Combine your auto, renters/home, boat, etc. policies and it can save you up to 20% on both of your policy premiums.Sign up for a defensive driver course. This discount is available for you if you take a defensive driving course and then present a certificate to your auto insurance company! Before signing up for a course, check with your current insurance agent for discount availability and any specific guidelines for the course. You could save 10% on your premium.Show your student transcript. A good student discount typically applies to full-time high school and undergrad students, younger than 25 years old. Young drivers with good grades (usually a 3.0 GPA or higher depending on your auto insurance company’s guidelines) and their families can save an average of 25% on their auto insurance premiums when they provide a copy of their transcripts.Sign up for TeenSmart. This is available for teen drivers and their parents who complete the TeenSmart driver program. Check with your current insurance agent to see if your company provides a discount for completing the TeenSmart course before you sign up online; it could save you 15% on your insurance premium.Take public transit or carpool more often. A low mileage discount could be available to you if you drive under a certain number of miles (7,000 - 15,000). You may be a low mileage driver if you’re retired, you work from home, or you joined a carpool. If you think you drive a low number of miles each year, call your insurance agent to discuss your eligibility for their low mileage discount; it could save you as much as 20% on your premium.